Las Vegas Auto Insurance
If thoughts of shopping for auto insurance give you a major headache, rest assured that you’re in good company. Everyone wants the best deal at the most attractive price, but few possess either the time or the inclination required to do the necessary legwork. As a result, some people pay exorbitant amounts for overkill coverage while others purchase bargain-basement policies that may be inadequate for their needs.
What you need is an auto insurance broker in Las Vegas who can shop a wide range of carriers for you. At All Kinds of Insurance, we can locate the coverage you need at a price you want to pay. We do this by dealing on a regular basis with such respected carriers as:
- AARP Hartford
- Allied (Nationwide)
- The Hartford
One of these companies is sure to offer the coverage that’s right for you, possibly saving you hundreds of dollars a year in the bargain.
Why Use an Auto Insurance Broker
If you’re paying more for auto insurance than you feel is fair, this could be due to a number of reasons. While most people understand that an accident or traffic violation will routinely cause their premiums to rise, some may be shocked to learn that higher rates can also accompany a recent move to Las Vegas or a sudden hit to a once-robust credit rating. If any of these things should apply to your situation, it makes even more sense to let an auto insurance broker to do some comparison shopping for you.
Your Special Auto Insurance Needs
Insurance needs will vary from one person to the next. For example, while one person may require a policy that covers him when driving a rental car, another may need one that provides protection for the many times he expects to be driving the car or a friend of relative.
In many cases, your financial situation will dictate your optimal coverage amount. Most experts recommend that people who need to protect a great number of assets should invest in sufficient liability to cover them in case of a lawsuit.
Your driving habits are another factor. If you are prone to accidents or face long and risky daily commutes, you might want to consider additional coverage. On the other hand, if your car is well past its prime and at little risk of being stolen, you might want to lower your collision and comprehensive coverage or even drop them entirely.
Nevertheless, while it’s always important to carry enough insurance, excessive caution will cost you. Although the insurance companies will never tell you to your face, most people have no need to prepare for every conceivable eventuality. Doing so will cause your rates to rise, and for the majority of drivers, the worst-case scenario is highly unlikely to happen.
Soliciting Competitive Quotes
Some people might choose to do the research on their own, but in addition to eating up your time and energy, the process will often lead to greater confusion. Worse, the self-help method gives you no assurance that the deals that individual agents propose are the best that you could do.
At All Kinds of Insurance, we do the hard work for you. As an expert auto insurance broker in Las Vegas, we have the skill to make comparisons, consult the actuarial tables and determine which policy will make the most sense for you.
Remember, your auto insurance needs are as unique as you are. To get a policy that will work for you, click on our “Get a Quote” link or give us a call at 702-534-4697. One of our professionals will be glad to help you quickly, simply and affordably. Don’t pay more than you have to pay for something you don’t really need. To get the policy that’s right for you, call All Kinds of Insurance today.
Auto Insurance FAQs
When it comes to the ins and outs of their auto insurance policies, many people are pretty much in the dark. All drivers know they need one, but how many understand the way these instruments work in practice? At All Kinds of Insurance, we feel it’s our duty to clear up misconceptions. Here are just some of the questions that we hear and answer every day.
Although requirements vary from state to state, most insist that you carry some amount of liability coverage. Unfortunately, the minimum allowed by law may not be sufficient in every case. For example, if your insurance fails to cover all the damages involved in a serious accident for which you are at fault, you will be obliged to make up the difference.
In general, what most people think of as full coverage auto insurance is a combination of standard liability with collision and comprehensive. While collision will handle accident damage to your own vehicle, comprehensive protects it against such things as theft and vandalism.
GAP stands for Guaranteed Auto Protection. This type of insurance covers the difference between a vehicle’s actual cash value and the balance still owed on its loan or lease. Most insurers offer it.
Risk assessment is a numerical score assigned by insurance companies based on information found in your credit report. A consideration of your credit history’s length along with any record of collections or late payments allows insurers to charge an appropriate rate based on a predicted possibility of future claims.
Yes, some will use this information to help establish an appropriate premium while deciding whether you qualify for coverage in the first place. While a bad record can raise your rates, a positive history will generally lower them and may even entitle you to certain good-driver discounts.
The year, make and model of the car you drive can have a significant effect on your premiums. The most valuable cars will always demand more coverage and command higher rates. Other factors include your car’s:
- Body type.
- Engine size.
- Crash-test rating.
- Attractiveness to auto thieves.
Certain modifications can help lower your premiums to some extent. The addition of safety devices and anti-theft features can be of particular assistance in this regard.
If you’re interested in whittling down your auto insurance premiums, give a thought to your driving habits. Motorists who travel the fewest miles and earn the smallest number of traffic tickets will also enjoy the lowest rates. Other winning strategies include:
- Raising your deductible.
- Bundling your insurance policies.
- Insuring multiple cars.
In addition, various insurers will offer specific discounts to qualified drivers.
Several factors can conspire to raise your auto insurance rates. Accidents and tickets are the biggest offenders in this regard, but changes to your policy run a close second. Your rates will normally go up if you:
- Add one or more new drivers to your coverage.
- Switch to a more valuable vehicle.
- Move to an area known for its high incidence of thefts, accidents or vandalism.
- Increase your yearly average mileage.
- Lower your deductible.
On the other hand, doing the opposite of these things can also bring your premiums down.
Finding an attractive auto insurance policy is bound to take some effort. A careful comparison of the various providers will help you find one that offers you the value you want at the price you want to pay. Not all policies are the same. Each insurer offers its own set of discounts and avenues toward lower premiums, and only a thoughtful assessment will enable you to choose the level of coverage that suits you best.
Unfortunately, the work of gathering auto insurance quotes can take some time that you might not want to spend. At All Kinds of Insurance, we make the comparisons for you. All you need to do is tell us what you want, and we will use our thorough familiarity with various insurers to match you up with the best solution.
If you’re looking for auto insurance, you want to find the right policy at the right price. All Kinds of Insurance has the team you can trust to find that policy for you.